Side-by-side comparison of AI visibility scores, market position, and capabilities
Paris open-source fintech infrastructure with programmable ledger and payment orchestration at 10x revenue growth; YC $21M PayPal Ventures/Portage Series A serving Doctolib and Liberis competing with Modern Treasury for fintech ledger-as-a-service.
Formance is a Paris, France-based open-source financial infrastructure company — backed by Y Combinator with $21 million raised in a Series A in January 2025 co-led by PayPal Ventures and Portage Ventures after 10x revenue growth, with prior investment from Hoxton Ventures and Axeleo Capital — providing fintech companies, vertical SaaS platforms, and financial institutions with programmable open-source ledger infrastructure (Formance Ledger), payment orchestration (Formance Payments), and transaction reconciliation automation, positioning as the "AWS for fintech infrastructure" with a developer-friendly platform that removes the need to build custom financial data management systems from scratch. Founded in 2021 and serving customers including Doctolib, Liberis, Booksy, and Btech, Formance is growing from 20 to 50 employees by end of 2025 and opening a New York office.
Montreal zero-fee nonprofit fundraising platform with $1B+ processed; 100% donation pass-through via optional donor tips competing with Donorbox and Classy for nonprofit fundraising technology adoption.
Zeffy is a Montreal-based fundraising platform for nonprofit organizations that charges zero platform fees on donations — asking donors to optionally contribute a tip to cover Zeffy's operating costs rather than deducting fees from each donation, ensuring 100% of every donated dollar reaches the nonprofit cause. Founded in 2019 by Thibaut Davoult and Nicolas Lafleur, Zeffy has processed $1+ billion in nonprofit donations and provides a comprehensive suite including online donation forms, event ticketing, peer-to-peer fundraising campaigns, recurring donation management, and membership management — giving nonprofits a full fundraising platform at genuinely zero cost.
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